These points kind of make sense, even though your numbers do not seem very realistic in terms of monthly expenses for anyone being ONLY 20% of their income, unless the person is in a more rich category.. so for example a person might be living in a place in which his expenses are only a few hundred a month, and his salary is $1k to $2k per month, but yeah, maybe you guys need to describe how you are coming up with examples of ONLY having expenses of $20 per month and how that might be realistic and also how the same guy might have an income of between $60 to $100 per month?  Sure there could be some situations of informal economy and maybe you live on a farm and you raise your own food or you trade your food for someone else's food and maybe you perform labor in order to live in your house, and you don't have to pay electricity because it is free or it does not exist... but still the numbers see strange, even though surely I know some folks do have real low incomes.. yet are we even being realistic?